Legal Disclaimer

Universal Matrix Investors, LLLP (“UMI”) is not a licensed broker, dealer, investment advisor, financial consultant, accountant, or law firm. All information on this website — including articles, insights, educational materials, reflections, or discussions regarding financial topics — is provided solely for educational and inspirational purposes.

Nothing on this website should be interpreted as:

Personalized investment advice
A recommendation to buy or sell any security
An offer or solicitation of financial services
Legal, tax, or accounting advice

All content reflects the personal experiences, educational journey, and faith-based principles embraced by UMI.
Past performance, examples, or educational references are not indicative of future results.

Visitors should conduct their own research and consult licensed professionals (financial advisors, brokers, accountants, or attorneys) before making any financial decisions.

UMI shall not be held liable for any losses, damages, or decisions made in reliance on the information presented on this website.

Closed Partnership Notice

Universal Matrix Investors, LLLP (UMI) is a private, closed investment partnership.
Membership is not open to the public, and UMI does not accept outside capital, external investors, or new partners.

All content shared is intended solely to provide educational insight, faith-based stewardship principles, and lessons from our journey — not to solicit investment or participation.

Templates & Resource Disclaimer

UMI may provide downloadable templates, worksheets, study tools, or educational resources. These materials are original works created by UMI.

These resources are intended strictly for educational purposes and:

Do not constitute financial, tax, legal, or investment advice
Do not establish any advisor-client or attorney-client relationship
Do not guarantee any financial outcomes, performance, or legal compliance

Users should always consult appropriate licensed professionals before applying any educational material to their personal situation.

By purchasing, downloading, or using UMI resources, you acknowledge that UMI is not responsible for any decisions, consequences, or results stemming from their use.

All digital products are non-refundable.

📄 Terms & Conditions

Effective Date: 01/01/2025

These Terms govern the use of the Universal Matrix Investors, LLLP (UMI) website and its resources.

1. Educational Purpose Only

UMI provides faith-based financial education. Nothing on this site is intended to constitute professional financial, investment, legal, or accounting advice.

2. Intellectual Property

All content, templates, images, text, branding, and materials displayed on this website are the intellectual property of UMI.
Unauthorized reproduction, redistribution, or resale is prohibited.

3. Purchases & Refunds

All digital downloads and templates are non-refundable due to immediate access and non-returnable format.

4. Limitation of Liability

UMI is not responsible for any losses, damages, or decisions resulting from the use of this website or its resources.

5. Modifications

UMI may update these Terms at any time without notice. Continued use of the website constitutes acceptance of the updated Terms.

🔒 Privacy Policy

Effective Date: 01/01/2025

UMI is committed to protecting your privacy. This policy explains how your information is collected, used, and safeguarded.

1. Information We Collect

Personal information voluntarily provided (e.g., name, email).
Purchase-related information for downloadable resources.
Non-personal browsing data (browser type, IP address, site usage).

2. How We Use Your Information

To deliver resources or updates
To respond to inquiries
To process secure digital transactions
To improve website functionality and experience

3. Data Protection

While UMI employs security measures to protect data, no online system can be guaranteed completely secure.

4. Sharing of Information

UMI does not sell, rent, or trade personal information.
Information is shared only when necessary to:

Process payments via secure third-party processors
Comply with legal obligations

UMI does not store complete payment information (e.g., full credit card numbers).

5. Cookies

This website may use cookies for analytics and performance improvement.
Users may disable cookies through browser settings.

6. Your Rights

Users may request access to, corrections of, or deletion of their personal information at any time.

7. Updates to This Policy

UMI may revise this Privacy Policy periodically. Continued use of the website indicates acceptance of updated terms.